"Your Lending Partner"

M&T Bank

A reliable bank that's strong and stable
Times like these call for a financial services partner that has stood the test of time.  Established in 1856 as Manufacturers and Traders Bank, today M&T Bank Corporation, one of the 20 largest commercial banks in the U.S., with more than 650 branches and 16,000 employees located in New York, Pennsylvania, Maryland, Delaware, Washington D.C., Virginia, West Virginia, New Jersey, and Ontario, Canada.
You can count on us because, more than 158 years after being founded, M&T Bank is one of the best performing regional banks in the nation today.  With a longstanding tradition of careful, conservative and consistent management, we've generated positive earnings and positive capital - despite the ongoing turbulence in the economy.  And we continue to grow with a focus on the future.
A local bank that's committed to the communities it serves
We have long operated as a community bank.  As such, we understand that the vitality of the communities in which we do business is crucial to our continued success.  As M&T's Chairman and CEO Robert G. Wilmers often says, "The well-being of the bank is dependent upon the well-being of the communities we serve."
That's why M&T Bank - and our employees - take such active and engaged roles in our communities.  As part of our approach, the M&T Charitable Foundation supplies millions of dollars in funding every year to a wide range of community-based organizations.  In 2014, M&T contributed nearly $22.0 million to over 3,300 not-for-profit organizations.
M&T Bank's commitment to the community cannot be measured in dollars alone, however, as the bank provides significant amounts of human capital in addition to its monetary capital.  Altogether, M&T employees report spending almost 320,000 hours per year in volunteer service to others in our communities.
For these reasons, M&T Bank has been recognized as one of the top charitable companies in the United States.  M&T Bank has also earned the highest Community Reinvestment Act rating since 1982.
A convenient bank that's close and accessible
With more than 650 convenient branches located throughout New York, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia, Delaware, and Ontario, Canada - plus access to over 2,000 ATMs - we're never far from where you live, work, shop and play. 
Plus, you can also use M&T Bank's web, telephone and mobile banking services.  Fast, easy and secure, you can bank wherever and whenever you want - from your home, office or anywhere life takes you.
A responsive bank that understands what's important
We understand you're concerned about how the current economy affects you.  So are we.  Our team of skilled and experienced professionals can help you determine the best way to protect yourself and your finances, even in uncertain times like these.  We're here to listen - so when you want to discuss your current banking, investment, and insurance needs, or your long-term financial concerns and goals, we'll be there for you.
M&T Bank offers a wide array of financial solutions for your personal, business and commercial banking needs, designed to accommodate the way you bank today, while helping you build financial security for the future.  We look forward to working with you to find the right solutions for your situation.
You'll find M&T Bank to be a reliable bank that's strong and stable, a local bank that's committed to the communities we serve, an accessible bank that's close and convenient, and a responsive bank that cares about what's important to you, your family, and your business.
 Project M&T Bank recently partnered with SEDA-COG and the SBA 504 program on a $1,680,000 project in York County for the purchase and renovation of commercial real estate for a medical practice. 

According to Craig Shindler, Vice President, Business & Professional Banking Specialist at M&T Bank, "My clients at Partners In Family Health were searching for the right location to relocate their medical practice for years.  Upon finding the right "spot" they required project funding that met their needs.  SEDA-COG and the SBA 504 Program provided the minimum equity injection and long term interest rate they desired.  Ray Haden consulted, serviced and followed up in just the right proportions to deliver an efficient and effective financing package.  I commend Ray and the SEDC-COG team for a job well done."

For more information about M & T Bank, visit 
www.mtb.com or call Craig at (717) 852-2718 or email at cshindler@mtb.com.